MLC offers fast personal loans where you can have your money in as little as 30 minutes. Visit us to learn more about our services! Mobile App now available for Apple and Android!
Written by the business, not verified by us.
Is Minute Loan Center legit?
Minute Loan Center (www.minuteloancenter.com) has a 3.7 out of 5 rating on OK.one, based on 100 user reviews collected here. It is listed under Money & Insurance and its reputation is mixed. Opinions are polarized: 66% rate it 4 stars or higher while 26% give 1 star; The business has replied to 32% of negative reviews; 29 of them were added in the last 12 months. Last updated 2026-08-11.
I have asked minute loan center to take a payment after 3pm when my pay becomes available in my account. They agreed and now my account has been debited and is negative. I am trying to purchase a home and they have derailed my efforts! Not to mention the interest rate is ridiculous! NO MORE LOANS WITH MINUTE LOAN CENTER!!!!!
Reply from Minute Loan Center2025-12-26
Thank you for sharing this feedback — we’re very sorry to hear about the situation you described. We never want a payment to process at a time that causes hardship, especially when you’ve communicated a specific request to our team. We’d like to review your account, the timing of this payment, and what happened here so we can make it right if an error occurred. Regarding our rates — we understand your concern. Our rates and terms are fully disclosed before any loan is accepted, and we’re always happy to walk through options that may better fit your needs.
We appreciate you bringing this to our attention and hope to have the opportunity to work toward a resolution with you directly.
I am giving 4 stars just because the interest rate for these loans are outrageous. This is a loan you should take only for short term needs. Pay it off as soon as you can. I took a $300 loan, which was a very easy experience for me. They were very helpful and I received the money right away. However, if I had gone the whole term of the loan, I would have had to pay $217 in interest along with the $300. This is the price we pay for having bad credit and sometimes needing a little to get by. The problem is, getting these loans with high interest rates can keep you in a perpetual cycle of borrowing. Overall, they do what they are in business to do and they have always been fair to me.
Reply from Minute Loan Center2025-12-26
Thank you so much for taking the time to share your experience, and for the honest feedback. We’re glad to hear that our team was helpful and that the process was easy and fast — that means a lot to us.
We also understand your concern about interest and truly appreciate you calling out the importance of using short-term credit responsibly. Our products are designed to help in temporary financial gaps, and we always encourage customers to pay off early when they’re able — which can significantly reduce the total cost of the loan.
Our rates and terms are fully disclosed before funding so customers can make the decision that’s right for them, and we’re continually working to expand options that better support long-term financial stability.
Thank you again for being a loyal customer and for sharing such a balanced and thoughtful review.
Even though a VIP it doesn't help getting a loan. If you don't have references you will not be approved for a loan. They need to change their company policy.
THEY CLAIM YOUR INFORMATION IS NOT WHAT THEY HAVE ON FILE JUST TO KEEP FROM GIVING YOU A LOAN OR LETTING YOU APPLY FOR A LOAN. IF THEY CALL YOU AND YOU CALL THEM BACK YOU GET THE RUN AROUND ABOUT WHO THE LOAN OFFICER IS THAT CALLED YOU. BUT I HAVE CALLED THEM BACK SEVERAL TIMES AND NEVER GOT ANYWHERE
Always a pleasure to get a loan from these ladies👍👍 They all are outstanding and go the extra mile to provide excellent customer service with a smile. The process is fast and easy, and have me in and out in no time! Highly recommend MLC on Philadelphia Pike in Claymont, DE😃
Thank you for your 5-star review! We understand that sometimes unexpected situations leave few options, and we’re glad we could be here to help when you needed it most. Our team works hard to provide support when it matters, and we truly appreciate you choosing Minute Loan Center.
I paid my first loan off early and when I tried to reapply I was denied even though everything from my pay to banking account had not changed. I received an email with no other explanation other than " no loan options available". Disappointed but I'm glad I didn't refer anyone to this loan company.
Reply from Minute Loan Center2025-08-22
Thank you for your feedback and for being a returning customer. We’re truly sorry to hear about your experience when reapplying. While many factors go into our approval process—beyond just pay and banking information—we understand how frustrating it can feel to be denied without a clear explanation. We value your trust and would love the chance to review your situation further. Please reach out to us at 1-888-213-5744 or [email protected].
First loan was paid off. Everything else was smooth. The bank messed up,I sent the proof Needed. Filled out paperwork and all. Talked to customer service,even the District Manager. Very awful,nothing was done to help.
Reply from Minute Loan Center2025-05-30
Thank you for sharing your experience. We’re sorry to hear about the difficulties you’ve encountered. While we’re glad our Regional Vice President has been in touch, we regret that the resolution did not meet your expectations.
I live in Missouri , for 2 years it is always the same issue they can’t see all of my banking information. It crazy everyone else can see it in plaid. You call same rude people and no one knows the problem. They need to check their system with plaid.
Reply from Minute Loan Center2025-03-20
Thank you for your feedback. We pride ourselves on exemplary customer service. We would like the chance to discuss this matter with you. Please give us a call at 888-213-5744. We do follow up on various requests and communications each day, and it is possible that a member of our management team will reach out to you as well.
With no warning took over $200 out of my account with no notice or contact. The only contact was a text everyday around noon telling me what was owed. I knew what was owed but have been going through some circumstances. Yesterday I was getting a money order fir my rent and they had took my money. Called customer service and the woman try to get smart with me saying we all having hard times I said well if my rent not paid can I stay with you? Speechless she hung up. I will never recommend this to anyone. Find loan apps like Dave, Brigit for small loans there is no interest and I recommend.
Uprova®
Advance America
Spotloan
My Symple Loan
Together Loans
Simple Fast Loans
Quick2lend
NetCredit